| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY D DENNY3 Filed as: LARRY DOUGLAS | 211 E. COLLEGE BROWNSVILLE, TN 38012 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | — | $19K | 4.91% |
| JONATHAN FRISCH3 | 6000 POPLAR AVE. SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $8K | — | $8K | 2.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVE. SUITE 300 MEMPHIS, TN 38119 | LIFE INSURANCE COMPANY OF AMERICA | $788 | $236 | $1K | 6.22% |
| LARRY B. DOUGLAS3 | 211 E. COLLEGE BROWNSVILLE, TN 38012 | LIFE INSURANCE COMPANY OF AMERICA | $684 | $205 | $889 | 5.40% |
| JOEL DENIGRIS3 | 580 HAZARD AVE. ENFIELD, CT 06082 | LIFE INSURANCE COMPANY OF AMERICA | $288 | $53 | $341 | 2.07% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVE. SUITE 300 MEMPHIS, TN 38119 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $78 | $389 | 10.20% |
| LARRY B. DOUGLAS3 | 211 E COLLEGE BROWNSVILLE, TN 38012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | $28 | $140 | 3.67% |
| JOEL DENIGRIS3 | 580 HAZARD AVE. ENFIELD, CT 06082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59 | $9 | $68 | 1.78% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR AVE. SUITE 300 MEMPHIS, TN 38119 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | $15 | $88 | 9.57% |
| LARRY B. DOUGLAS3 | 211 E. COLLEGE BROWNSVILLE, TN 38012 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | $10 | $60 | 6.52% |
| JOEL DENIGRIS3 | 580 HAZARD AVE. ENFIELD, CT 06082 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22 | $3 | $25 | 2.72% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 118 | $393K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 118 | $393K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 118 | $393K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 0 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $920 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.